On November 26th, 2007, according to the letter received from the debt collector they use (AIC), the debt is now settled in full. We own our truck, free and clear? Not quite. There is still the matter of a lien release...a matter not being solved to our satisfaction at all. Capital One Auto Finance has repeatedly told us that the account still shows as delinquent. Capital One is required by law to report this as settled in full to one or more tax authorities. It states this in the letter we received.
When we call Capital one, we are immediately transfered to the debt collector. The debt collector transfers us to the nice lady at Capital One who is in charge of accounts which have been turned over to AIC. This number is never answered by a human being. We explain the situation and leave our account number, name and telephone number. The calls are never returned.
We are now on a mission. Now that the tables have turned and the debt has been paid in full, we will call the nice lady's number every hour, on the hour, around the clock. If our calls are not returned within a two week time period, we will retain an attorney to deal with this "Fortune 500 Company".
If you want an honest evaluation of how Capital One Auto Finance treats their customers, ask the "Unfortunate 500,00+" who deal with them, wise up, and stay as far away as possible.
Product or Service Mentioned: Capital One Account.